The Northern Trust Company

The Northern Trust Company is headquartered in Chicago and is the largest bank in the state of Illinois. It is also the 20^th largest bank in the nation. It was established in 1889 and as of December of 2012, it had grown to 13,873 employees at 83 locations. The Northern Trust Company has a 4-star health rating.

Data for Q4 2012

Institution Statistics The Northern Trust Company FDIC Certificate # 913 BankRate Report View Year Established 1889 Employees 13873 Primary Regulator FED Assets and Liabilities Assets $97.14 billion Loans $29.21 billion Deposits $83.13 billion Equity Capital $7.23 billion Loan Loss Allowance $297.86 million Unbacked Noncurrent Loans $273.77 million Real Estate Owned $20.31 million Historic Data - December 2011 Assets $99.83 billion Equity Capital $6.89 billion Loan Loss Allowance $294.80 million Unbacked Noncurrent Loans $306.88 million Real Estate Owned $21.19 million Profit Margin - Quarterly Net Interest Margin 1.21% Return on Assets 0.74% Return on Equity 9.96% Interest Income $1.29 billion

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 The Northern Trust Company had $294.08 million in non-current loans and owned real-estate with $7.52 billion in equity and loan loss allowances on hand to cover it. This gives The Northern Trust Company a Texas Ratio of 3.91% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Northern Trust Company held steady from 4.57% as of December 31, 2011 to 3.91% as of December 31, 2012, resulting in a positive change of 14.38%.This indicates that the balance sheet and financial strength for The Northern Trust Company has held steady in recent periods. Deposit Growth In the past year, The Northern Trust Company has decreased its total deposits by -$907.52 million, resulting in -1.08% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Northern Trust Company has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Northern Trust Company has $97.14 billion in assets with $7.52 billion in equity, resulting in a capitalization level of 7.74%, which is below average.

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